SoFi Blog

Tips and news—
for your financial moves.

HL $1k Cash Rewards Offer LP (LCM)


Home Loans

Buying or refinancing
a home just got
more rewarding.

Close a home loan with SoFi and you could get an exclusive $1,000 in rewards points to invest in stock.* Offer ends 11/12/21.



View mortgage rate



View refinance rate


Viewing your rate will not affect your credit score.

Get more from
your home loan.

Competitive rates.

Get your dream home at a great rate.

Home loan options to choose from.

Put as little as 5% down. For conforming home loans with a loan-to-value (LTV) greater than 80%, SoFi requires PMI.





SoFi now offers loans on investment properties.

Exclusive $1,000 cash rewards.

Close a home loan with SoFi and you could get an exclusive $1,000 in rewards points to invest in stock.* Offer ends 11/12/21.

Help when you need it.

Our loan officers (MLOs) can guide you through the process—and we have member specialists standing by to answer any other questions.

See your mortgage rate options:

30-year fixed1

NULL% Rate *

NULL% APR *

Enjoy fixed
payments that won´t
change over time.

20-year fixed2

NULL% Rate *

NULL% APR *

Pay your loan off over 20 years while maintaining a constant rate and payment.

15-year fixed3

NULL% Rate *

NULL% APR *

Pay your loan off faster while maintaining a constant rate and payment.

10-year fixed4

NULL% Rate *

NULL% APR *

Pay your loan off over 10 years while maintaining a constant rate and payment.

All APRs are updated daily


View my rate

Buying a home?

No need to stress. We have dedicated MLOs that can walk
you through each step so that you feel confident in the
home-buying process. Plus, get access to educational tools
and resources when you need them.


Get up to $1K in rewards


Learn more →





Looking to refinance?

SoFi’s mortgage refi application process is fast and easy. Choose between a traditional refi,
cash-out refi, or a student loan cash-out refi.


Get up to $1K in rewards


Learn more →





SoFi Lending Corp. or an affiliate

SoFi loans are originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), and through SoFi Lending Corp. NMLS #1121636, a lender licensed by states. SoFi Lending Corp. or an affiliate is licensed to originate mortgages in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Jersey, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., West Virginia, Wisconsin, and Wyoming. For information on SoFi Lending Corp. licenses, see Licenses.

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SoFi loans are originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), and through SoFi Lending Corp. NMLS #1121636, a lender licensed by states. SoFi Lending Corp. or an affiliate is licensed to originate mortgages in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Jersey, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., West Virginia, Wisconsin, and Wyoming. For information on SoFi Lending Corp. licenses, see Licenses.


*/}


View mortgage licenses and eligibility



Provided by Zillow, 5 stars

“Austin and his team were awesome and easy to work with! Great communication and follow up. Kept us in the loop every step of the way! I would go back to Austin without question.”

“Keith and his team did an outstanding job from day 1. They went above and beyond to facilitate on time closing and funding of our mortgage. The rates we received could not be matched by any other lender.”

“Mark and his team worked very closely with us to make sure that we were comfortable with the process, understood the expectations, timeline and overall schedule.”

300+ Reviews

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1 30-YEAR Payment Example: The payment for a 30-year term, loan amount $300,000, Rate NULL%, LTV 80% is $1,245 for full Principal and Interest Payments with 0 points due at closing. The Annual Percentage Rate is NULL%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

2 20-YEAR Payment Example: The payment for a 20-year term, loan amount $600,000, Rate NULL%, LTV 80% is $3,290 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is NULL%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

3 15-YEAR Payment Example: The payment for a 15-year term, loan amount $600,000, Rate NULL%, LTV 80% is $4,072 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is NULL%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

4 10-YEAR Payment Example: The payment for a 10-year term, loan amount $600,000, Rate NULL%, LTV 80% is $5,656 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is NULL%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater.


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